Amaruddin Khalid - Shariah RFP

A soaring Malaysian Ringgit isn't just a win for the national economy—it is a massive upgrade for your personal travel plans. With the Ringgit flexing its muscles against major global currencies, traveling abroad has suddenly become a lot more rewarding.

​The stronger Ringgit benefits travelers in several practical ways:

​1. Superior Upgrades for Your Budget

​Your Ringgit now stretches much further on the ground. Instead of settling for budget accommodation on the outskirts of a city, travelers are finding that they can comfortably afford centrally located 4-star and 5-star hotels. You get a more premium, safer, and more convenient travel experience for the exact same budget you would have spent a year ago.

​2. Cheaper Holiday Packages & More Perks

​Because travel agencies book local guides, transport, and excursions in foreign currencies (often USD), a stronger Ringgit reduces their operational costs. Agencies are passing these savings directly to you by slashing tour package prices or bundling in premium add-ons—like upgraded meals and curated cultural experiences—at no extra cost.

​3. Maximum Value in Pop**ar Hotspots

​If you are planning a trip within Asia, your purchasing power has skyrocketed:

​Japan & China: The Yen and Renminbi have weakened against the Ringgit, making authentic dining, bullet train tickets, and shopping sprees significantly cheaper.

​Southeast Asia (Thailand, Bali, Vietnam): Already budget-friendly destinations have become ultra-affordable. You can opt for premium island-hopping tours, private villas, and high-end dining without breaking the bank.

​4. Long-Haul Dreams Are Within Reach

​Dreaming of Europe, Dubai, or Istanbul? Destinations that once felt restrictively expensive due to the exchange rate are seeing massive spikes in Malaysian bookings. Flights, cross-border train tickets, and entry fees to iconic global attractions don't sting your wallet nearly as much.

​💡 Pro-Tip: If you have an international trip planned later this year, use this period of Ringgit strength to lock in your exchange rates early.

RM3.12 Billion Solar Win: How to Capitalize via Shariah Investing

​Gamuda Berhad has just secured a massive RM3.12 billion (AUD 1.1 billion) solar and battery project in Australia, boosting its global order book to RM51.6 billion.

​While buying individual shares directly carries high company-specific risk, an alternative strategy is to invest through institutional fund flows. Kenanga Investors actively manages prominent Shariah-compliant equity funds that feature heavy weightings in top-performing infrastructure giants like Gamuda.

​Here is how investors can leverage Kenanga's Shariah ecosystem for capital growth:

​Institutional Momentum: Investing in funds like the Kenanga Ekuiti Islam Fund gives you direct exposure to Gamuda's growth. As the stock price rises on project ex*****on, the fund's Net Asset Value (NAV) increases.

​Built-in Diversification: Shariah equity funds manage risk by pooling your capital across multiple compliant sectors, protecting your portfolio from the volatility of a single construction stock.

​Compounding Growth: Selecting the automatic reinvestment option for fund distributions allows you to acquire more units without sales charges, compounding your wealth over a 3 to 5-year market cycle.

​Your Action Plan:

​Time Horizon: Commit to a 3 to 5-year outlook to allow major infrastructure earnings to materialize.

​Strategy: Use Dollar-Cost Averaging (DCA) to invest a fixed amount monthly, mitigating short-term market volatility.

​DM me to match these growth vehicles with your personal risk profile.

​

Insiden LRT tergelincir di Stesen Chan Sow Lin pagi tadi 28 Mei 2025 7 pagi melibatkan 25 penumpang dan menyebabkan gangguan besar pada laluan Ampang/Sri Petaling.

Bila pengangkutan awam terganggu macam ni, ramai yang terkesan — lewat ke tempat kerja, urusan harian tergendala, dan risiko keselamatan jadi perhatian utama.

Setakat ini:
• Tren Sentul Timur berpatah balik di Pudu
• Tren Putra Heights berpatah balik di Bandar Tasik Selatan
• Tren perantara disediakan antara beberapa stesen
• Bas perantara percuma antara Pudu dan Pandan Jaya

Semoga semua penumpang berada dalam keadaan selamat dan proses pemulihan berjalan lancar. Kes sebegini juga mengingatkan betapa pentingnya aspek penyelenggaraan, pemeriksaan berkala, dan pengurusan risiko dalam sistem pengangkutan awam.

🚗 Jangan Ambil Takaful Motor Sekadar “Basic Cover” Sahaja

Ramai pemilik kenderaan tidak sedar bahawa perlindungan tambahan (add-on coverage) boleh membantu mengurangkan kos besar apabila berlaku kejadian tidak dijangka.

Antara add-on penting untuk dipertimbangkan:

✅ Special Perils
Melindungi kenderaan akibat banjir, tanah runtuh, ribut, pokok tumbang dan bencana alam tertentu. Sangat penting terutama musim hujan dan kawasan mudah banjir.

✅ Windscreen Coverage
Kos tukar cermin depan kini boleh mencecah ribuan ringgit, terutama kereta moden dengan sensor & kamera. Add-on ini bantu lindungi kos tersebut.

✅ Unlimited Towing
Kereta rosak tepi jalan atau breakdown jauh dari rumah? Dengan towing tanpa had, anda lebih tenang tanpa risau caj towing yang mahal.

✅ Waiver of Betterment
Untuk kereta berusia lebih 5 tahun, anda mungkin perlu bayar “betterment” apabila tukar alat ganti baru selepas kemalangan. Add-on ini membantu mengurangkan atau mengecualikan caj tersebut.

💡 Takaful bukan sekadar renew roadtax & insurance.

Ia tentang perlindungan kewangan apabila perkara tidak dijangka berlaku.

Jika anda ingin semakan perlindungan Takaful Motor yang sesuai dengan penggunaan kenderaan anda, boleh PM saya untuk penerangan lanjut.

🌙✨ Salam Aidiladha 1447H ✨🌙

Daripada kami di
Smart Magnifiq Solution
Pakar Perundingan ISO & Product Certification,
serta bersama

Kenanga Investors Berhad
dan

Allianz General Insurance Malaysia

Kami mengucapkan
🕌 Selamat Hari Raya Aidiladha 🐄

Semoga ibadah korban mengajar kita erti keikhlasan, pengorbanan, integriti, dan keberkatan dalam setiap urusan kehidupan serta perniagaan.

Terima kasih atas kepercayaan dan sokongan anda.

Semoga Aidiladha ini membawa rahmat, rezeki yang luas, dan kejayaan yang berpanjangan buat anda dan keluarga.

✨ “Pengorbanan hari ini, keberkatan untuk masa hadapan.” ✨

🌙 Day of Arafah — A Day Not to Miss

The Day of Arafah is one of the most powerful days in Islam. It is a day of mercy, forgiveness, dua, and reflection.

What should we do on this blessed day?

🤲 Make sincere dua
Ask Allah for forgiveness, guidance, rezeki, good health, and a better ending in life.

📖 Increase dhikr
Repeat: • SubhanAllah
• Alhamdulillah
• Allahu Akbar
• La ilaha illallah

🌟 Fast on the Day of Arafah
For those not performing Hajj, fasting on this day expiates the sins of the previous year and the coming year, by Allah’s mercy.

❤️ Seek forgiveness
No matter how far we feel, the door of taubah is always open.

🤝 Do more good deeds
Give charity, help others, call your parents, repair relationships, and spread kindness.

The Day of Arafah is not just another day. It may be the day that changes your life forever.

May Allah accept all our deeds and duas. Ameen.